Facilito
Facilito is a cash-based payment network enabling customers to pay online orders at participating retail outlets across supported Latin American regions.
Facilito is a cash-based payment network enabling customers to pay online orders at participating retail outlets across supported Latin American regions. Merchants generate a barcode or payment code that customers settle in-store. Payments are confirmed through batch or real-time API updates. Facilito reduces fraud and expands reach to unbanked users, making it ideal for digital goods, e-commerce, and bill payment use cases.
What Facilito costs
Merchants do not pay Facilito directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What the last check found
Facilito is a single-country cash rail, not a card scheme or bank transfer. Its own site describes it as "tu solución integral para pagos de servicios en Ecuador" — a retail agent network where customers pay over 500 services in cash, plus deposits, withdrawals, top-ups and credit payments. The logo identifies it as "a Prosegur company", so the operator is Prosegur's Ecuadorian cash business; the site gives a Guayaquil office and no other market.
For an integrator, the only gateway documentation that exists is Rapyd's. Rapyd lists Facilito under Americas payment method types and gives it a dedicated page with two codes, `ec_facilito_cash` ("Ecuador Facilito Cash Payments") and `ec_facilito_primary_cash`. The flow is the standard LatAm cash voucher: the shopper picks cash at checkout, gets a textual Paycode, pays a cashier at a Facilito POS, and the merchant is notified on settlement. Rapyd states country "Ecuador", a ceiling of "up to 10,000 USD", textual code type and 2–3 day settlement — and explicitly "No" for refunds/reversals, recurring and disputes/chargebacks. Treat it as a one-way, irreversible, non-recurring collection rail.
Two gaps worth knowing. Rapyd records the presentment currency as "N/A" rather than naming one; USD is recorded here because Rapyd's own limit is denominated in USD and Ecuador is dollarised (dLocal and EBANX both state USD as Ecuador's only currency). And nobody else documents it: Adyen, Stripe, Airwallex, Antom and Checkout.com have no Facilito entry, while dLocal's Ecuador page offers Pago Efectivo and Deuna and EBANX's offers only cards and SafetyPay. Reaching Facilito therefore means going through Rapyd. Payout/disbursement support is simply not addressed anywhere.
Checked again on 2026-10-21 and corrected: Coverage holds: EC + USD, both now directly sourced. I am correcting one factual claim in the write-up and adding a source.
Checked against Facilito’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 13
- Rapyd Docs — Facilito · docs.rapyd.netUsed for Country = Ecuador; cash category; Rapyd codes ec_facilito_cash and ec_facilito_primary_cash; Paycode/textual-code flow at a network POS; maximum "up to 10,000 USD" (the only stated USD denomination, basis for the USD currency row); settlement 2-3 days; refunds/reversals = No, recurring = No, disputes/chargebacks = No (hence empty features); presentment currency recorded as N/AChecked 20 October 2026
- Rapyd Docs — Americas payment method types and supported countries · docs.rapyd.netUsed for Confirms Facilito is a documented Rapyd Americas payment method type and links the dedicated Facilito page; basis for found_in = RapydChecked 20 October 2026
- Red Facilito — official site (Ecuador) · facilito.com.ecUsed for Identity and operator: "Red Facilito es tu solución integral para pagos de servicios en Ecuador"; cash agent network paying 500+ services, deposits, withdrawals, top-ups, credit payments; Guayaquil office; logo alt text "Logo Facilito-a Prosegur company" establishing Prosegur ownership; no market other than Ecuador statedChecked 20 October 2026
- dLocal Docs — Ecuador · docs.dlocal.comUsed for Negative evidence: dLocal's Ecuador payin methods are cards, Pago Efectivo (EF, TICKET) and Deuna (QR) — no Facilito. Also states USD as Ecuador's currency, supporting the USD rowChecked 20 October 2026
- EBANX Docs — Ecuador country overview · docs.ebanx.comUsed for Negative evidence: EBANX documents only Credit Card, Debit Card and SafetyPay for Ecuador, no Facilito; states USD as the accepted currency for EcuadorChecked 20 October 2026
- Adyen — Payment methods catalog · docs.adyen.comUsed for Negative evidence: no Facilito entry in Adyen's full method catalog (both halves of the page checked)Checked 20 October 2026
- Airwallex — Payment methods matrix · airwallex.comUsed for Negative evidence: no Facilito row; no Latin American cash method with an Ecuador shopper locationChecked 20 October 2026
- Stripe — Payment method support · docs.stripe.comUsed for Negative evidence: no occurrence of Facilito or Ecuador in Stripe's country/currency support tablesChecked 20 October 2026
- Antom — Payment methods · docs.antom.comUsed for Negative evidence: no Facilito entry and no Ecuador buyer countryChecked 20 October 2026
- Checkout.com docs — llms.txt page index · checkout.comUsed for Negative evidence: the full docs page index contains no URL for Facilito or Ecuador, so Checkout.com publishes no such page (checked rather than assumed)Checked 20 October 2026
- dLocal docs — llms.txt page index · docs.dlocal.comUsed for Negative evidence: used to enumerate dLocal's real country pages instead of guessing paths; no page title or URL contains "facilito"Checked 20 October 2026
- EBANX docs — llms.txt page index · docs.ebanx.comUsed for Negative evidence: no EBANX URL path contains "facilito"; used to find the real Ecuador country-overview pathChecked 20 October 2026
- PPRO Developer Hub — Ecuador cash payments via SafetyPay · developerhub.ppro.comUsed for Direct source for the USD currency row, closing the record's inference gap: states USD as the processing, settlement and consumer currency for Ecuador (EC) cash payments. Names Facilito as a documented Ecuador cash collection network, refuting the write-up's claim that Rapyd is the only gateway documenting it. Also gives a conflicting ceiling, "Facilito - up to US$500", against Rapyd's "Up to 10,000 USD" (PPRO assigns the US$10,000 tier to Banco del Barrio, Banco Guayaquil, Banco Pichincha and Pichincha Mi Vecino).Checked 21 October 2026
13 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Facilito before you sign anything. How we compile this · Suggest a correction ·